Is it necessary for flexible employees in Shanghai to pay social security?

Social security must be paid, which is the most basic guarantee. Both endowment insurance and medical insurance in social security are the most basic guarantees and must be paid. The reason why flexible employees receive less pension when they retire is that the payment period is short, and most of them will not continue to pay as long as they pay for 15 years. There is also the base number chosen when paying fees is low, which is definitely less than that calculated by the unit. If the payment time is long and the base is high, then more people will retire. If you think the social security payment is high, then you don't have to consider commercial insurance, which will be more expensive. And the basis of commercial insurance is to have social security. Without social security, the cost of buying commercial insurance will be much more expensive than having social security. It can be seen from many aspects that social security is the foundation and commercial insurance is the supplement. There is no need to pay too much attention to the pension of deposit banks, because the interest rate has been decreasing, and it can only be part of the pension, not the main force. If the financial capacity is limited, you can consider paying social security, and then use commercial insurance to supplement medical insurance. Minimum protection is available. If you support the elderly, you need to earn more money slowly to make up for the pension. In short, social security is the basic guarantee, and commercial insurance is the supplementary guarantee, and the two are complementary.